HomeLoansWorking Capital

Working Capital

Keep cash flowing and never stall — flexible working-capital finance for day-to-day business needs, with interest charged only on the amount you actually use.

2 Cr
Limit up to*
13% p.a.
Interest starting from*
Revolving
Renewable lines

*Indicative. Limit and rate depend on turnover, security and lender.

Why this loan

Features & benefits

Overdraft & CC lines

Draw funds as needed up to a sanctioned limit, anytime.

Pay for what you use

Interest is charged only on the amount utilised — not the full limit.

Smooth cash flow

Bridge the gap between payments and receivables with ease.

For MSMEs & traders

Purpose-built for businesses with seasonal or cyclical needs.

Quick renewals

Lines are renewable, so funding stays available year on year.

Secured & unsecured

Choose the structure that suits your business and assets.

Eligibility

Who can apply

  • An operating business with vintage of 1 year or more
  • Healthy bank account turnover
  • GST registered, where applicable
  • Promoters aged between 21 and 65 years
  • Satisfactory credit conduct
Documents

Documents required

KYC & registration

  • PAN & Aadhaar of promoters
  • GST & business registration

Financials

  • 12 months’ bank statements
  • ITR & financial statements

Get Instant Working Capital
with the LoanBandhu App

Apply, track and manage your loan from your phone. Coming soon to Android & iOS.

Get it onGoogle PlayDownload on theApp Store
Apply on web instead
Working Capital FAQs

Questions, answered

What is working capital finance?

It’s funding for your day-to-day operations — buying stock, paying suppliers, managing payroll — usually as an overdraft or cash-credit line you can draw from as needed.

Do I pay interest on the full limit?

No. You pay interest only on the amount you actually use, which makes it very cost-efficient for fluctuating needs.

Is it secured or unsecured?

Both options exist. Secured lines (against stock, receivables or property) often carry lower rates; unsecured lines offer convenience. We’ll recommend the best fit.

Can the line be renewed?

Yes. Working-capital lines are typically renewable each year, keeping funds available as your business grows.

Never run dry

Keep your business moving.

Free, no-obligation guidance at the lowest possible rate.

Loan Bandhu
95190 66658
Get started

Enquire about your Working Capital Loan

Share a few details and your dedicated Loan Bandhu calls you with the lowest-ROI offer. Free & no-obligation.

Thank you! 🎉

Your enquiry has reached us. Your dedicated Loan Bandhu will call you shortly. For anything urgent, call 95190 66658.